Citi Simplicity Credit Card

Special offers

0% p.a. on purchases and balance transfers for 6 months (no BT fee applies, reverts to cash advance rate of 22.24%)

Other features

Card Type Mastercard
Minimum Income N/A
Minimum Credit Limit $6,000
Maximum Credit Limit $100,000
Minimum Monthly Repayment 2% or $30 whichever is greater
Complimentary Travel Insurance No
Extended Warranty Yes
Available to Temporary Residents No
Additional Card Holders Yes
Foreign Exchange Fees Yes
Interest Rate 0% p.a. for
6 months

reverts to 21.49% p.a.

Interest Free Days on Purchases Up to 55 days
Cash Advance Rate 22.24% p.a.
Balance Transfer Rate 0% p.a. for
6 months

reverts to 22.24% p.a.

Balance Transfer Fee N/A
Annual Fee $0 p.a.
Late Payment Fee N/A
General Terms & Conditions

To access the full Terms and Conditions related to this product, click here.

Interest Rate Terms & Conditions

Up to 55 days interest free on retail purchases. No interest free days apply if you have a balance transfer.

Balance Transfer Rate Terms & Conditions

Purchases: The promotional rate of 0% p.a. will apply to the retail purchase balance for a promotional period of 6 months from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 21.49% p.a., will apply to the retail purchase balance. Please note you will not be entitled to any interest-free days on retail purchases at the end of the promotional period whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate.
Balance Transfers: Your total balance transfers may not exceed 80% of your credit limit. The promotional rate of 0% p.a. will apply to balances transferred with this offer at point of application for a promotional period of 6 months. The 6 month promotional period commences once the balance transfer is processed. At the end of the balance transfer promotional period, the interest rate on any outstanding transferred balance will revert to the variable annual percentage rate for cash advances, currently 22.24% p.a. This offer excludes balances transferred from Citibank unsecured credit products. For important information to consider before taking up a balance transfer, please click here. Minimum monthly payments required. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information. Please note that if you make a retail purchase before your balance transfer is processed, payments made during the promotional period will be applied to the retail purchase balance before the balance transfer. This offer is valid until 31 January 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.